First International Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, First International Bank & Trust of Minot, ND reported 1,259 mortgage applications totaling $136.7 million. The average application was for $108,547, and applicants reported an average income of $57,146. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Fargo-Moorhead, ND-MN (652), Phoenix-Mesa, AZ (30) and Grand Forks, ND-MN (6) (applications in parentheses).
| Mortgage Company & Address | First International Bank & Trust 1600 S Bdway Minot, ND 58701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,259 |
| Total Mortgage Loan Application Amount | $136,661,000 |
| Average Mortgage Loan Application Amount | $108,547 |
| Highest Mortgage Loan Application Amount | $4,178,000 |
| Average Applicant Income | $57,146 |
| Highest Applicant Income | $2,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First International Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass, North Dakota | 652 | $ 75,002,000 | $ 115,033 | $ 45,000 |
| Ward, North Dakota | 176 | $ 19,371,000 | $ 110,062 | $ 47,000 |
| Clay, Minnesota | 157 | $ 16,156,000 | $ 102,904 | $ 51,000 |
| Williams, North Dakota | 68 | $ 4,588,000 | $ 67,470 | $ 45,000 |
| Wells, North Dakota | 32 | $ 1,558,000 | $ 48,687 | $ 36,000 |
| McKenzie, North Dakota | 29 | $ 1,470,000 | $ 50,689 | $ 55,000 |
| Maricopa, Arizona | 25 | $ 5,459,000 | $ 218,360 | $ 104,000 |
| Becker, Minnesota | 19 | $ 2,079,000 | $ 109,421 | $ 64,000 |
| Otter Tail, Minnesota | 15 | $ 2,293,000 | $ 152,866 | $ 75,000 |
| Richland, North Dakota | 9 | $ 1,033,000 | $ 114,777 | $ 63,000 |
| Grand Forks, North Dakota | 6 | $ 585,000 | $ 97,500 | $ 82,000 |
| Pinal, Arizona | 5 | $ 609,000 | $ 121,800 | $ 31,000 |
| McHenry, North Dakota | 5 | $ 199,000 | $ 39,800 | $ 48,000 |
| Hubbard, Minnesota | 3 | $ 304,000 | $ 101,333 | $ 95,000 |
| Mahnomen, Minnesota | 3 | $ 166,000 | $ 55,333 | $ 58,000 |
| Burleigh, North Dakota | 3 | $ 235,000 | $ 78,333 | $ 27,000 |
| Lawrence, South Dakota | 3 | $ 257,000 | $ 85,666 | $ 62,000 |
| Norman, Minnesota | 2 | $ 98,000 | $ 49,000 | $ 20,000 |
| Wilkin, Minnesota | 2 | $ 161,000 | $ 80,500 | $ 51,000 |
| Eddy, North Dakota | 2 | $ 67,000 | $ 33,500 | $ 76,000 |
| McLean, North Dakota | 2 | $ 178,000 | $ 89,000 | $ 41,000 |
| Pierce, North Dakota | 2 | $ 36,000 | $ 18,000 | $ 37,000 |
| Renville, North Dakota | 2 | $ 104,000 | $ 52,000 | $ 95,000 |
| Sheridan, North Dakota | 2 | $ 81,000 | $ 40,500 | $ 39,000 |
| Stark, North Dakota | 2 | $ 197,000 | $ 98,500 | $ 65,000 |
| Yavapai, Arizona | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Los Angeles, California | 1 | $ 183,000 | $ 183,000 | $ 2,500,000 |
| Arapahoe, Colorado | 1 | $ 182,000 | $ 182,000 | $ 83,000 |
| Larimer, Colorado | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Weld, Colorado | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Will, Illinois | 1 | $ 187,000 | $ 187,000 | $ 72,000 |
| Scott, Iowa | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Sedgwick, Kansas | 1 | $ 323,000 | $ 323,000 | $ 517,000 |
| Anoka, Minnesota | 1 | $ 142,000 | $ 142,000 | $ 127,000 |
| Beltrami, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Clearwater, Minnesota | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Crow Wing, Minnesota | 1 | $ 170,000 | $ 170,000 | $ 380,000 |
| Dakota, Minnesota | 1 | $ 28,000 | $ 28,000 | $ 98,000 |
| Douglas, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 20,000 |
| Hennepin, Minnesota | 1 | $ 222,000 | $ 222,000 | $ 51,000 |
| Houston, Minnesota | 1 | $ 261,000 | $ 261,000 | $ 314,000 |
| Morrison, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Polk, Minnesota | 1 | $ 89,000 | $ 89,000 | $ 62,000 |
| Ramsey, Minnesota | 1 | $ 54,000 | $ 54,000 | $ 59,000 |
| Sherburne, Minnesota | 1 | $ 133,000 | $ 133,000 | $ 33,000 |
| Swift, Minnesota | 1 | $ 161,000 | $ 161,000 | $ 66,000 |
| Richland, Montana | 1 | $ 62,000 | $ 62,000 | $ 54,000 |
| Washoe, Nevada | 1 | $ 287,000 | $ 287,000 | $ 100,000 |
| Barnes, North Dakota | 1 | $ 82,000 | $ 82,000 | $ 45,000 |
| Bottineau, North Dakota | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Foster, North Dakota | 1 | $ 156,000 | $ 156,000 | $ 93,000 |
| Morton, North Dakota | 1 | $ 184,000 | $ 184,000 | $ 92,000 |
| Mountrail, North Dakota | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Steele, North Dakota | 1 | $ 81,000 | $ 81,000 | $ 30,000 |
| Stutsman, North Dakota | 1 | $ 140,000 | $ 140,000 | $ 90,000 |
| Traill, North Dakota | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Tripp, South Dakota | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Yakima, Washington | 1 | $ 20,000 | $ 20,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for First International Bank & Trust in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 715 | $78,090,000 | $151,555 | $975,000 | $109,555 | $1,213,000 |
| Home Purchase (one-to-four family) | 490 | $46,791,000 | $151,000 | $1,249,000 | $374,875 | $2,500,000 |
| Home Improvement (one-to-four family) | 41 | $1,442,000 | $30,000 | $255,000 | $74,333 | $242,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 13 | $10,338,000 | $607,000 | $4,178,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,203 | $124,738,000 | $154,666 | $1,400,000 | $305,000 | $2,500,000 |
| Other | 19 | $1,815,000 | $95,000 | $204,000 | $40,000 | $123,000 |
| Not applicable | 13 | $8,083,000 | $516,500 | $4,178,000 | $13,000 | $189,000 |
| Hispanic | 8 | $571,000 | $58,500 | $148,000 | $70,500 | $104,000 |
| Asian or Pacific Islander | 6 | $550,000 | $111,000 | $140,000 | $41,500 | $60,000 |
| American Indian or Alaskan Native | 4 | $242,000 | $60,500 | $146,000 | $39,500 | $67,000 |
| Black | 3 | $296,000 | $98,000 | $138,000 | $33,000 | $45,000 |
| Information not provided by applicant in mail or telephone application | 3 | $366,000 | $122,000 | $144,000 | $44,000 | $75,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,011 | $112,597,000 | $157,583 | $4,178,000 | $304,583 | $2,500,000 |
| FHA-insured (Federal Housing Administration) | 200 | $18,879,000 | $111,000 | $222,000 | $46,250 | $177,000 |
| VA-guaranteed (Veterans Administration) | 45 | $4,999,000 | $124,500 | $231,000 | $47,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $186,000 | $62,000 | $85,000 | $33,000 | $42,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,015 | $112,197,000 | $151,555 | $4,178,000 | $335,888 | $2,500,000 |
| Application Withdrawn By Applicant | 128 | $14,292,000 | $162,166 | $323,000 | $125,666 | $517,000 |
| Application Denied By Financial Institution | 78 | $6,302,000 | $83,250 | $225,000 | $47,750 | $89,000 |
| File Closed For Incompleteness | 38 | $3,870,000 | $114,000 | $225,000 | $66,000 | $172,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 40 | $3,023,000 | $54,666 | $154,000 | $43,333 | $75,000 |
| Debt-To-Income Ratio | 26 | $2,756,000 | $120,333 | $225,000 | $47,333 | $89,000 |
| Collateral | 3 | $162,000 | $54,000 | $108,000 | $21,000 | $34,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $38,000 | $38,000 |
| Employment History | 1 | $39,000 | $39,000 | $39,000 | $14,000 | $14,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First International Bank & Trust's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First International Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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